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Santander Bankat-A-Glance Santander Bank at-a-glance A full-service provider of competitive, client-focused financial products and services. Commercial Banking Asset Based Lending & Restructuring Finance Government Banking International Banking Middle Market Banking Mid-Corporate & Verticals Banking Treasury Management Solutions A leading U.S. bank helping people Consumer and Business Banking and businesses prosper. Auto, Personal & Business Loans Certificates of Deposit Santander Bank, N.A. is one of the country’s largest retail and commercial banks with $89.5 billion in assets. With a commercial presence across the country Checking, Savings & Money Market Accounts and retail branches in eight states across the economically vibrant northeast corridor, Credit Card Boston-based Santander Bank is strong, well-capitalized, and one of the six Lines of Credit businesses comprising Santander US, the Santander Group’s operating business Individual Retirement Accounts in the United States. Insurance* Investments* Merchant & Payroll Services > 575 branches > 2,000 ATMs Mortgages & Home Equity Lines Includes 1,000 in CVS Pharmacy® locations. Online & Mobile Banking Treasury Management Solutions 9,100 employees > 2.1 million customers Corporate and Investment Banking Acquisition Finance Santander aims to be the bank of choice in each of the markets we serve by providing Corporate Loans & Lines competitive products, services, and advice that help people and businesses prosper Debt & Equity Capital Markets through meaningful progress toward their financial goals. From simple checking and Derivatives savings accounts to comprehensive financial strategies and guidance for individuals Export Credit Facilities and businesses, Santander Bank provides smart and convenient ways for people and Foreign Exchange businesses to manage their money. Global Transaction Banking We earn the loyalty of our commercial banking clients by offering services Mergers & Acquisitions that help them manage their operating needs, maximize their working capital, Project Finance and grow their businesses domestically and internationally. Santander’s Syndicated Loans business model and corporate culture are focused on creating long-term value Working Capital Facilities for all of our stakeholders—employees, clients, and communities—and ensuring our clients feel confident in their financial decisions and the services we provide. Real Estate and Vehicle Finance Dealer Commercial Services Santander is committed to helping small businesses prosper and in 2019 was Multi-Family Financing recognized by Small Business Administration (SBA) District Offices within our Real Estate Construction & Term Financing footprint for lending in the previous fiscal year. Santander was honored with the Commercial Equipment Vehicle Finance Silver Award from the New Jersey District Office, the Bronze Award from the New York District Office, and was named the Lender of the Quarter by the Connecticut District Office for closing more loans in the first six months of the prior fiscal year than it closed the entire previous year. Global presence, support, and strength. Santander Holdings USA, Inc. (SHUSA) serves as the intermediate holding company for Santander’s U.S. businesses, including Santander Bank, and is a wholly-owned subsidiary of Madrid-based Banco Santander, S.A., the largest retail and commercial bank in continental Europe by market value, and one of the best capitalized banking groups in the world. Led by Group Executive Chairman, Ana Botín, the Santander Group serves 144 million customers in 10 core markets in Europe, Latin America, and the U.S. The Group has a strong drive to continue to integrate our culture into all of our stakeholders. For the third consecutive year, Santander obtained the highest score amongst the 325 companies that form part of the Bloomberg Gender-Equality Index. And, the Group has a goal to have 30% of senior management positions held by women by 2025. At the end of 2019, women accounted for 40% of the board and 22% of leadership positions. NH Serving communities. MA Santander recognizes that becoming the best bank in the communities NY CT we serve includes embracing our important responsibility to drive RI change and make meaningful contributions where we live and work. PA The organizations we support reflect the values of our company and we focus on making the communities where we live and work stronger through our charitable giving, community and volunteer commitments, and our business products and services. The foundation SBNA Branches SBNA Operational Footprint of Santander’s approach to supporting communities is our “Inclusive NJ Communities” plan, the Bank’s $11 billion, five-year commitment to lending, community development, and charitable giving across its DE footprint for 2017 through 2021. During this time, Santander will increase its Community Reinvestment Act (CRA) activity by 50% and triple its investment in charitable grants. Financials, Santander Bank, N.A. as of June 2020 2019 highlights include: • Awarded $11.5 million in charitable grants to 336 non-profit Assets $89.5 billion organizations in communities where our customers and colleagues live and work. This charitable giving helps to support Deposits $67.1 billion programs advancing financial empowerment, entrepreneurship and small business development, and affordable housing and Loans $57 billion healthy communities. Moody’s Credit Rating Baa1 • Provided more than $2.6 billion in new lending and investments to support low- and moderate-income individuals, small businesses, S&P Credit Rating A– and communities across our footprint. Fitch Rating BBB+ • Devoted more than 16,500 volunteer hours teaching money management and other financial skills to students and adults in Pre-Tax Earnings ($225 million ) underserved communities. *Balance sheet data is End of Period (EOP). santanderbank.com Call 877-768-2265 Visit your local branch SantanderBankUS @SantanderBankUS SantanderBankUS *Securities and advisory services are offered through Santander Investment Services, a division of Santander Securities LLC. Santander Securities LLC is a registered broker-dealer, Member FINRA and SIPC and a Registered Investment Adviser. Insurance is offered through Santander Securities LLC or its affiliates. INSURANCE AND INVESTMENT PRODUCTS ARE: NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT A BANK DEPOSIT Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2020 Santander Bank, N.A. All rights reserved. Santander, Santander Bank and the Flame Logo are trademarks of Banco Santander, S.A. its subsidiaries in the United States or other countries. All other trademarks are the property of their respective owners. MKXXXX 497301 10/2020.
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